Sonke siyazazi izinzuzo zokusebenzisa ikhadi lesikweletu. Kusukela ekusebenziseni amaphuzu ukundiza ekilasini lebhizinisi kuya ekubambeni igajethi oyikhonzile - konke lokho kungenzeka uma unesikolo esihle.
Ake sithi ubhukha iholide elibizayo usebenzisa elakho credit card. Lokhu kuzokuvumela ukuthi uqongelele amaphuzu amaningi esikweletu ongawasebenzisa kamuva. Ukuhlengwa ikakhulukazi kuyindlela yokubuyisela imali, ngakho-ke kucishe kufane nokuwina kabili!
Amanye amakhadi esikweletu akunikeza amaphuzu ngakho konke ukuthenga okukodwa okwenzayo.
Kodwa-ke, imivuzo ayigcini nje ekusebenziseni ikhadi lesikweletu. Ungakwazi futhi ukuthola imiklomelo kanye nokubuyiselwa kwemali ngokukhokha izikweletu zekhadi lakho lesikweletu.
Uma ukhokha izikweletu zekhadi lakho lesikweletu ngesikhathi, kunemiklomelo eminingana ongayifuna. Imbuyiselo yemali enamathiselwe ezinkokhelweni ijabulisa ngokuphelele!
Kunezinhlobo ezimbili zamakhasimende akhokha izikweletu zekhadi lesikweletu. Abokuqala bayamangala nyanga zonke ngemiklomelo yembuyiselo ngoba bengazi. Izinhlobo zesibili ziyazi futhi ziyazi amandla alawa makhadi.
Labo abaqaphele lokhu okungenzeka bakwenza kudingeke ukukhokha izikweletu zekhadi labo lesikweletu ngendlela ehlelekile nenamasu.
Izinhlelo zokusebenza ezimbalwa zikunikeza insiza yokuzuza imbuyiselo uma ukhokha izikweletu zekhadi lakho lesikweletu ngazo.
Masiqonde ukuthi ungayithola kanjani imbuyiselo ngokukhokha izikweletu zekhadi lakho lesikweletu -
Khokha isikweletu sakho ngohlelo lokusebenza lwe-PhonePe:
Uhlelo lokusebenza oluhamba phambili lokukhokha e-India lusanda kwethula umnikelo walo wembuyiselo. Uma ukhokha izikweletu zekhadi lakho lesikweletu ngohlelo lokusebenza lwe-Phonepe futhi uwine ikhadi lokuqala.
Ubuncane benkokhelo ye-Rs. 500 izokusiza ukuthi uthole imbuyiselo enkulu yama-Rs. 1,000. Kunzima ukumelana nesicelo, akunjalo?
Uhlelo lokusebenza lunokunikezwayo okunenzuzo enkulu uma umsebenzi wenkokhelo owenzayo uphezulu. Sebenzisa lolu hlelo lokusebenza njalo ukuze ukhokhe izikweletu zakho ukuze uthole imiklomelo ephezulu!
Khokha nge-Paytm:
Olunye uhlelo lokusebenza oluhamba phambili lokukhokha i-Paytm inesigaba esiphelele sokubuyisela imali. Ngokuyivula, ungathola okunikezwayo nsuku zonke.
Khokha isikweletu sakho sekhadi lesikweletu nge-Paytm futhi uthole ezinye izinhlinzeko zokubuyiselwa imali ezijabulisayo.
Nokho, imbuyiselo yemali itholwa kuphela ngemva kokwenza lokhu kuthenga kube okujwayelekile. Khokha izikweletu ezi-5 ezilandelanayo zekhadi lesikweletu lika-Rs. 3000 noma ngaphezulu, bese uphatha imbuyiselo yemali! Uma ibhili lakho liyanda, yilapho ukubuyiselwa kwemali kwakho kuyanda.
Khokha ngohlelo lokusebenza olusha - CRED:
Siyaqiniseka ukuthi kufanele ukuthi ubone izikhangiso eziningi kumabonakude wohlelo lokusebenza olusanda kwethulwa, i-CRED. Kuyindlela elula yokukhokha. Iphinde ikuvumela ukuthi ukhokhe izikweletu zekhadi lakho lesikweletu ngohlelo lokusebenza.
Ukwengeza, futhi ingenye yezinhlelo zokusebenza ezidume kakhulu, enikeza amakhasimende ayo ngemivuzo yobuhlanya! Uhlelo lokusebenza futhi likukhumbuza ukuthi ukhokhe izikweletu zakho ngesikhathi.
Ungasebenzisa amakhadi akho edebithi, noma i-akhawunti yokonga ukuze ukhokhe izikweletu. Uma lawa ma-akhawunti ekunikeza amaphuzu, amaphuzu ozowathola angaba muhle kakhulu!
Ikhadi lesikweletu eliphakeme njengele-Bajaj FinServ RBL Bank SuperCard likunikeza amabhonasi engeziwe. Ihlanganisa amandla amakhadi angu-4 ndawonye. Jabulela izinzuzo zekhadi ledebithi, ikhadi le-EMI, ikhadi lesikweletu nekhadi lemalimboleko kwelinye. Kuyathakazelisa kangakanani?
Banikeza ngisho namaphuzu angu-20,000 ekhadi lesikweletu njengendlela yokwamukela. Thola amaphuzu njalo uma uswayipha ikhadi. Futhi uwine imbuyiselo yemali njalo uma ukhokha isikweletu sakho sekhadi!
Inani eliphakeme lokubuyiselwa kwemali elinikezwa i-CRED lingama-Rs. 10,000. Funda wethu isibuyekezo esigcwele se-CRED.
Sebenzisa ikhadi lakho ledebhithi ukuze ukhokhele isikweletu sakho sekhadi lesikweletu:
Amanye amakhadi edebithi anikezela ngembuyiselo uma uwasebenzisela ukukhokha izikweletu zekhadi lakho lesikweletu.
Nokho, udinga ukuqinisekisa nomkhiphi wekhadi lakho lasebhange uma ungakwazi ukulisebenzisa ekukhokheleni ikhadi lesikweletu.
Ukwenza izinto zibe sobala kakhudlwana, ake sikunikeze isibonelo.
I-HDFC EasyShop Platinum Debit Card inikeza iphuzu elingu-1 lokubuyisela kukho konke okwenziwayo kwama-Rs. 100. Iphuzu ngalinye libiza u-Rs. 1. Ngakho-ke uma ukhokha isikweletu sekhadi lesikweletu elibiza u-Rs. 5000 ngenyanga, uzothola amaphuzu angu-50 omklomelo. Lokhu kuzobiza ama-Rs 50.
Uma usebenzisa ikhadi lakho lesikweletu, amaphuzu aphezulu omvuzo aguquka abe ama-rupee.
Uhlelo lokusebenza lwe-Mobikwik:
Lolu hlelo lokusebenza lunikeza amakhodi ahlukene ukuze uthole imbuyiselo ezinkokhelweni zakho zekhadi lesikweletu.
Ubuncane bemisebenzi nemiklomelo iyahluka ngokuya ngezinhlelo zabo zanyanga zonke.
Ukunikezwa kwabo kwakamuva kunikeza inani eliphakeme lama-Rs. 200 imbuyiselo ekukhokhweni kwenani elincane lama-Rs. 2000.
I-Pixi encane - isigqebhezana se-wonderland:
Ikhadi ngalinye lesikweletu liza nezinto ezintsha ezinikezwa nsuku zonke. Kukhona izipesheli ezintsha ezingeziwe, nezindala ziyalahlwa.
Kodwa-ke, akulula kumuntu ukuthi azilandele zonke futhi azisebenzise.
Yingakho iwebhusayithi ye-Little Pixi ikhona! Kukusiza ukuthi useshe amakhuphoni asebenzayo futhi eqela ngaphezulu kukho konke. Baphinde basho imigomo nemibandela esobala.
Futhi ikusiza ukuthi uqhathanise okunikezwayo futhi wonge imali ezitolo ezingu-4000+.
Sebenzisa ikhadi lesikweletu le-VISA:
Ikhadi elisebenzisa inethiwekhi ye-VISA libizwa ngekhadi lesikweletu le-Visa. Amabhange amaningi emhlabeni jikelele ahlinzeka ngamakhadi esikweletu nawedebithi ahlobene nohlobo lwe-Visa.
Okuhle ngalawa makhadi ukuthi ahlinzeka ngamavawusha kanye nembuyiselo yemali uma ukhokha isikweletu nge-net banking.
Amabhange ahlukene anikeza imiklomelo ehlukene uma usebenzisa izinsiza zabo zebhange ukukhokha izikweletu zekhadi lakho lesikweletu.
Ngokwesibonelo, Ibhange le-ICICI ukubhaka ku-inthanethi kunikeza amavawusha esaphulelo abiza ama-Rs. 5000 lapho usetshenziselwa ukukhokha izikweletu zakho zesikweletu. Ungawahlenga lawa makhuphoni ngokuvakashela isiza se-CouponDunia okukhulunywe ngaso kuwebhusayithi esemthethweni yebhange le-ICICI.
Lezi izindlela ezimbalwa ongathola ngazo imbuyiselo ngokukhokha izikweletu zekhadi lakho lesikweletu. Ukuthenga nge-inthanethi kwenze indlela yokukhokha yaba lula kakhulu.
Ngokuhambisana nalokho, kunikezwa imiklomelo eminingi, amaphuzu, iminikelo yokubuyiselwa imali, amakhadi esipho, namavawusha. Benza okoqhwa ekhekheni. Yini engaba ngcono kunokuthola imali ngokukhipha imali? Ukukhokha izikweletu zekhadi lakho lesikweletu ngesikhathi akukaze kujabulise kangako!
Hlola usuku olunqunyiwe lokukhokha isikweletu sakho namuhla futhi uqinisekise ukuthi usebenzisa esinye sezinyathelo ezingenhla ukwenza okufanayo.
Ngeke nje kwenze inqubo yokukhokha ingabi namthungo kodwa ikumangaze ngemiklomelo ethokozisayo, futhi!
Ungakhohlwa ukwabelana ngalesi sihloko nabangani bakho nomndeni wakho!
Umshisekeli wekhadi
Umbuzo ekhadini ledebithi le-HDFC.
Ingabe i-EasyShop Classic, i-Imperial noma ikhadi le-premium elikhethwayo?
Futhi ulikhokha kanjani ikhadi lesikweletu? ngenkokhelo yebhili ye-HDFC noma olunye uhlelo lokusebenza ukuze uthole i-Cashback.
Ngiyabonga kusengaphambili
Aayush Bhaskar
I-EasyShop yakudala futhi kufanele uhlole lesi sihloko ukuthola izinhlelo zokusebenza ezikuvumela ukuthi ukhokhe isikweletu sakho se-CC.
Umshisekeli wekhadi
Siyabonga ngokucacisa i-EasyShop yakudala. Kodwa i-athikili osixhumanise ayiwusizo kimina. Angibheke ukukhokhela uCC ngomunye uCC.
Bengifuna ukwazi ukuthi ulisebenzise kanjani ikhadi lakho lasebhange ukuze ukhokhe isikweletu se-CC. Ingabe lokho futhi nge-MobiKwik / CRED noma enye indlela?
Kuzodingeka ngithuthukise ikhadi lami ledebithi libe yi-Premium, ezobiza u-750 ngonyaka, ngakho ngifuna ukwenza isiqiniseko sokuthi lokhu kucabanga kuyasebenza ngempela ngaphambi kokuba ngisebenzise imali. Siyabonga!
Aayush Bhaskar
Ungasebenzisa ikhadi ledebithi ukuze ulayishe ukheshi esikhwameni njenge-PayTm noma i-Mobikwik, ngaphandle kwezindleko. Awudingi ukuthuthukisa ikhadi lakho ukuze wenze lokho. Lokho kuyisinqumo esibi – ukukhokhela noma yiluphi uhlobo lwemali ngekhadi lasebhange.